The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$79,771
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,252
−HK$2,521/mo
Today · 4.125%
HK$84,773
baseline
▲ 0.50% · 4.625%
HK$89,931
+HK$5,158/mo
Deposit HK$17.49M · loan HK$17.49M · min. income ≈ HK$169,546/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,486,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,744
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,124
−HK$2,415/mo
Today · 4.125%
HK$93,539
baseline
▲ 0.50% · 4.625%
HK$98,469
+HK$4,930/mo
Deposit HK$17.49M · loan HK$17.49M · min. income ≈ HK$187,078/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,486,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,725
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$98,702
−HK$3,026/mo
Today · 4.125%
HK$101,728
baseline
▲ 0.50% · 4.625%
HK$107,918
+HK$6,190/mo
Deposit HK$13.99M · loan HK$20.99M · min. income ≈ HK$203,456/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,486,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,493
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$109,349
−HK$2,897/mo
Today · 4.125%
HK$112,246
baseline
▲ 0.50% · 4.625%
HK$118,163
+HK$5,917/mo
Deposit HK$13.99M · loan HK$20.99M · min. income ≈ HK$224,492/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,486,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,679
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,153
−HK$3,529/mo
Today · 4.125%
HK$118,682
baseline
▲ 0.50% · 4.625%
HK$125,904
+HK$7,222/mo
Deposit HK$10.49M · loan HK$24.49M · min. income ≈ HK$237,364/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,242
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,574
−HK$3,380/mo
Today · 4.125%
HK$130,954
baseline
▲ 0.50% · 4.625%
HK$137,857
+HK$6,903/mo
Deposit HK$10.49M · loan HK$24.49M · min. income ≈ HK$261,908/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,587
−HK$9,004/mo
▼ 0.25% · 3.875%
HK$148,054
−HK$4,537/mo
Today · 4.125%
HK$152,591
baseline
▲ 0.50% · 4.625%
HK$161,876
+HK$9,285/mo
Deposit HK$3.50M · loan HK$31.48M · min. income ≈ HK$305,182/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,486,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,739
−HK$8,631/mo
▼ 0.25% · 3.875%
HK$164,024
−HK$4,346/mo
Today · 4.125%
HK$168,370
baseline
▲ 0.50% · 4.625%
HK$177,245
+HK$8,875/mo
Deposit HK$3.50M · loan HK$31.48M · min. income ≈ HK$336,740/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,486,787 · Scale 2, in force from 26 Feb 2026)